Saturday, 22 July 2017

Risk appetite

What's the risk appetite? Risk is nothing but the chance of failure. If risk is 40%, that's the possibility of failure. If the risk of giving market credit is 1% of your revenue ( that's credit of 5% of revenue and 20% is the risk), then we also need to assess what is the risk of not giving the credit, in other words the loss of revenue by not giving credit. If the supply chain is driven by credit, the revenue loss will be very high compared to the credit loss. Such a simple calculation but why does organisations fail to understand this..  Here is a company which doesn't lose 0.01% of it's revenue in Market credit where as the Industry loss or expenditure in market credit is minimum 1% and the opportunity loss is more than 2%.

Credit loss is individual responsibility where as opportunity loss is no one's responsibility. Ease the individual responsibility or at least make everyone accountable for opportunity loss, someone will start easing individual responsibility!

Thursday, 15 June 2017

Man of Value

This is a great piece of wisdom from Einstein..

Try not to become a man of success, but a man of value. Look around at how people want to get more out of life than they put in. A man of value will give more than he receives. Be creative, but make sure that what you create is not a curse for mankind.


Sunday, 11 June 2017

Frustrated overachievers

Cool, not everything in this world is under your control, life is not linear, expect the unexpected, results are not important all the time, what is the value that you have created, what is the value that you can create further. Focus on that and move on..

Friday, 2 June 2017


A Leader cannot be selfish, else he is no more a leader..

Courtesy: Donald Trump

Sunday, 1 January 2017

The end of human race

We always think of human disaster by aliens or comets from distant galaxy but a simple microbe can put an end to the human race. We hear a lot about evolution of bacteria against antibiotic drugs, mosquito's against repellent drugs. Same happened with humans, we evolved faster than any other animals, which took few million years and that was so fast in time scale of this planet and we rule this world.

One of the major reason for our faster evolution is our collective learning and its becoming better day by day because of the advancement in the technology. The learning of an individual in one part of the world is passed on to the whole world at the speed of light. So the only way someone can beat us is to evolve faster than our evolution and learn faster than our collective learning. Today most of the human death is caused by Mosquito which evolve just through reproduction. we are hearing about mutations of virus & bacteria in few hours or few months. The drug resistant genes are transmitted not just through reproduction but through lot many ways, making it easier for the new generation bacteria to become drug resistant, this is faster evolution due to faster learning which can become better. So the end of human race is going to be caused by a small microbe not a monster..


If Universe is expanding, what is it expanding into? If Black hole can explode, this Universe would have formed due to an explosion of a mammoth  black hole, so our universe was formed within a larger universe and there could be many such black hole explosion each creating a Universe by itself. So in nutshell, we are talking about millions, may be billions of Universes with a larger Universe which also could have been result of a black hole explosion inside an Universe. We have a long way to go..

Wednesday, 10 August 2016

Office politics

Getting fed up with office politics, please look in to the mirror, you also play politics but you think you are not. First is to accept that, to play politics is human, everyone do. So don't take it more personally, just accept it, its common. Second the one who start politics are the one who is affected the most or fear the most. So you are in right track, keep going. Third, if you want to give it back, think, what kind of person are you, Do you enjoy fighting or you enjoy forgiving, choose the one which you love the most. I have seen many people who enjoy fighting, do it, if you are left only with that option and forgive if you love that the most. you are not going to lose anything, i can assure you, you will gain the most..